Car Insurance

Yeh policies aapki car ko road par hone waale accidents, chori (theft), aur teesre paksh (third-party) ki liability se financial suraksha (protection) deti hain.

Motor Vehicles Act, 1988 ke anusaar, India mein har gadi ke liye कम-से-कम Third-Party Liability Insurance hona mandatory (zaruri) hai. NICL do main tarah ke plans offer karta hai:

 

1. Liability Only Policy (Third-Party Insurance)

 

Yeh policy sabse basic aur legally required cover hai.

Kya Cover Hota Hai:

• Third-Party Death/Injury: Agar aapki gadi se kisi teesre vyakti ko chot (injury) lagti hai ya uski maut ho jaati hai, toh uske liye jo legal compensation dena padta hai, woh policy cover karti hai. Death/Injury ke liye compensation ki koi limit nahi hoti (unlimited liability).

• Third-Party Property Damage: Agar aapki gadi se kisi teesre vyakti ki property (jaise dusri car, ghar, shop, pole, etc.) ko nuksaan hota hai, toh uski repair ya replacement ki cost cover hoti hai. Iski limit Motor Vehicles Act ke anusaar $\text{₹}7.5$ Lakhs tak hoti hai.

Kya Cover Nahi Hota:

• Aapki Gadi ka Nuksaan (Own Damage): Is policy mein aapki apni gadi ko hone waale kisi bhi tarah ke nuksaan (accident, fire, theft) ka cover nahi milta.

• Driver ki Injury: Ismein gadi chala rahe driver (ya owner-driver) ko hone waali chot ya maut ka cover bhi nahi milta (jab tak ki alag se Personal Accident Cover na liya jaaye).

 

2. Package Policy (Comprehensive Policy)

 

Ise aam taur par Comprehensive Policy kaha jaata hai. Yeh Third-Party Liability aur Own Damage (OD) cover ka combination hai. Yeh sabse zyada popular aur recommended plan hai.

 

Section A: Own Damage (OD) Cover

 

Yeh policy holder ki apni gadi ko hone waale nuksaan ko cover karti hai.

Kya Cover Hota Hai:

1. Accident: Road Accident ya Takkar (Collision) se hone waala nuksaan.

2. Fire, Explosion, Self-Ignition, Lightning: Aag, dhamaka, khud-bakhud aag lagna, ya bijli girne se gadi ko hone waala nuksaan.

3. Theft (Chori): Agar aapki gadi chori ho jaati hai, toh company Insured’s Declared Value (IDV) ke hisaab se payment karti hai.

4. Man-made Calamities: Riot (Danga), Strike (Hadtal), Malicious Act, Terrorism, ya Housebreaking (chori ke liye jabardasti ghusna) se hone waala nuksaan.

5. Natural Calamities: Earthquake (Bhukamp), Flood (Baadh), Cyclone (Toofan), Landslide jaise prakritik aafat se hone waala nuksaan.

6. Transit Damage: Jab gadi road, rail, air ya lift ke through transport ki jaa rahi ho aur us dauraan nuksaan ho.

Insured’s Declared Value (IDV):

IDV gadi ki Sum Insured value hoti hai. Yeh policy shuru hone par gadi ki current market value (manufacturer ke list price mein se depreciation ghata kar) par fix ki jaati hai. Agar gadi Total Loss (poori tarah kharab) ho jaati hai ya Chori ho jaati hai, toh company IDV ki value payment karti hai.

Gadi ki Age	IDV Fix karne ke liye Depreciation
Not exceeding 6 Months	$5\%$
Exceeding 6M but $\le 1Y$	$15\%$
Exceeding $1Y$ but $\le 2Y$	$20\%$
Exceeding $2Y$ but $\le 3Y$	$30\%$
Exceeding $3Y$ but $\le 4Y$	$40\%$
Exceeding $4Y$ but $\le 5Y$	$50\%$

 

Section B: Mandatory Personal Accident (PA) Cover

 

Har Private Car Comprehensive Policy mein Owner-Driver ke liye Mandatory Personal Accident Cover shamil hota hai.

• Coverage: $\text{₹}15$ Lakhs ka sum insured hota hai. Agar gadi chala rahe registered owner-driver ki accident mein maut ho jaati hai ya woh permanent total disablement (hamesha ke liye apang) ho jaata hai, toh yeh cover compensation deta hai.

 

Section C: Third-Party Liability Cover

 

(Yeh wahi cover hai jo Liability Only Policy mein hota hai – uper dekhein).

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Key Add-on Covers (Extra Protection):

 

NICL apni Comprehensive Policy ko aur bhi zyada behtar banane ke liye kuch zaroori Add-on Covers offer karta hai, jiske liye extra premium dena padta hai:

1. Zero Depreciation Cover (Nil Depreciation): Standard policy mein claim ke dauran parts ki value par depreciation (ghasara) lagta hai, jiske karan policyholder ko kuch amount apni jeb se dena padta hai. Zero Dep Cover lene par, company depreciation amount ko maaf kar deti hai, aur repair/replacement ki poori cost (plastic/fiber parts par bhi) mil jaati hai. Yeh sabse zaroori add-on hai.

2. No Claim Bonus (NCB) Protection: Agar aap poore saal koi claim nahi karte, toh aapko renewal par NCB (20% se 50% tak) milta hai. NCB Protect Cover lene par, agar aap koi chota claim karte hain (jaise wind-shield tootna), toh bhi aapka NCB affect nahi hota.

3. Engine Protection Cover: Engine ko hone waale Hydrostatic Lock (jab gadi baadh ke paani mein kharab ho jaati hai) ya gear box ko hone waale nuksaan ko cover karta hai, jo ki standard policy mein aam taur par cover nahi hota.

4. Road Side Assistance (RSA): Raste mein gadi kharab hone par, company emergency help (towing, minor repair, fuel delivery, tire change, emergency accommodation) provide karti hai.

5. Return to Invoice (RTI) Cover: Agar gadi chori ho jaati hai ya Total Loss ho jaati hai, toh IDV ke bajaye company aapko gadi ka poora on-road invoice price (yaani purchase price aur registration cost) refund karti hai. Yeh naye vehicles ke liye bohot faydemand hai.

 

Important Exclusions (Kya Cover Nahi Hota):

 

Har policy ki tarah, NICL Car Insurance mein bhi kuch cheezein cover nahi hoti hain:

• Wear and Tear & Depreciation: Gadi ka samay ke saath ghisna ya purana hona (jab tak Zero Dep cover na ho).

• Mechanical/Electrical Breakdown: Aam toot-phoot ya machine mein kharabi (jab tak woh accident se na hui ho).

• Driving Rules ka Ullanghan (Violation):

  • Agar driver ke paas valid driving license nahi hai.

  • Agar driver intoxication (sharab ya drugs) ke asar mein gadi chala raha hai.

  • Agar Private Car ko Commercial Purpose (jaise Taxi) ke liye use kiya jaa raha ho.

• Consequential Loss: Nuksaan ke parinaam swaroop hone waala loss (jaise engine kharab hone ke baad bhi gadi chalate rehna).

• War & Nuclear Risks: Yudh, aatankwad (jab tak ki Add-on na ho), ya nuclear activities se hone waala nuksaan.

• Tyres and Tubes: Inka nuksaan tab tak cover nahi hota jab tak ki gadi ko overall damage na hua ho.

 

Claim Process (Daawa Prakriya):

 

Accident/Loss hone par:

1. Immediate Notification: Turant NICL ko inform karein (Toll-free number/Online).

2. Police Report (FIR): Theft ya major accident hone par Police FIR turant register karwayein.

3. Surveyor: Company ek Surveyor bhejeti hai jo nuksaan ka assessment karta hai.

4. Documents: Required documents (RC, Driving License, FIR copy, Claim Form) jama karein.

5. Cashless Facility: NICL ke bade network of garages mein aap cashless repair facility ka fayda utha sakte hain, jahan aapko sirf deductible amount (policy excess) aur non-covered expenses hi dene hote hain.

 

Conclusion:

 

National Insurance ka Car Insurance Plan, India mein motor owners ke liye ek robust aur reliable option hai. Yeh legally required Third-Party cover se lekar Comprehensive Own Damage protection tak sab kuch deta hai. Comprehensive Policy mein Zero Dep, NCB Protect, aur RTI jaise add-ons jodkar aap apni car ko maximum financial security de sakte hain. Insurance kharidne se pehle, apni gadi ki IDV aur NCB ko hamesha check karein.

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